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Navient (NAVI) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Navient (NAVI) reported $120 million in revenue for the quarter ended June 2026, representing a year-over-year decline of 8.4%. EPS of $0.29 for the same period compares to $0.21 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $129.07 million, representing a surprise of -7.03%. The company delivered an EPS surprise of +52.63%, with the consensus EPS estimate being $0.19.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Navient performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Net interest margin, Consumer Lending segment: 2.3% versus 2.5% estimated by two analysts on average.
Net interest margin, Federal Education Loan segment: 0.7% versus 0.7% estimated by two analysts on average.
Total Non-Interest Income (Core): $27 million compared to the $16.07 million average estimate based on three analysts.
Net Interest Income (Core): $120 million versus $128.98 million estimated by three analysts on average.
Servicing revenue: $10 million compared to the $12.4 million average estimate based on three analysts.
Total core other income- Consumer Lending: $2 million versus $3.05 million estimated by two analysts on average.
Total core other income- Federal Education Loans: $8 million compared to the $9.56 million average estimate based on two analysts.
Total core other income- Other: $17 million versus the two-analyst average estimate of $5 million.
Net interest income (loss)- Federal Education Loans (Core): $48 million versus the two-analyst average estimate of $46.7 million.
Net interest income (loss)- Consumer Lending (Core): $93 million compared to the $101.94 million average estimate based on two analysts.
Net interest income (loss)- Other (Core): $-21 million compared to the $-18.66 million average estimate based on two analysts.

View all Key Company Metrics for Navient here>>>

Shares of Navient have returned +12.1% over the past month versus the Zacks S&P 500 composite's +3.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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